exactly what I thought! congrats again!!!Diamond earrings of course.....there is a tad of a difference in prices between those and the wallet.....grab the studs while you can.....get the wallet yourself at a later date
I´d also say that .22 is not too small since you are young. I have 1 carat but I am older although I had smaller ones when I was younger but always wanted bigger so maybe you should give that a thought too...would you want bigger ones later???
Good luck!